Gate 1 Verify
Is it enforceable? A 30-second check on the debt before anyone is phoned.
JAY NAIDOO · CHATSWORTH KZN
Triage BEFORE
You Chase™
Stop Chasing Debtors Who Will Never Pay
I'm Jay, 60, Chatsworth, 30yrs credit. DON'T REST WE RESET™
PMB Chamber Member30+ Years CreditPOPIA-aware triage
Illustrative triage landscapeMade for South African businessesPOPIA-aware triageA record before every chase
THE METHOD
Filter/Data/Host Triangle
Three gates, in order. Nothing reaches a debtor until it clears the gate in front of it.
Gate 2 Validate
Story vs balance sheet. Does the debtor's account match the numbers? Fifteen minutes, done properly.
Gate 3 Cease / Document / Escalate
The decision. Stop, record it, or escalate it — with the reason written down.
THE PLATFORM
The triage workspace
Assess the person, the risk and the ground — then act. Every decision lands in an audit trail.
AGING PER BUCKETR1.24M
Illustrative portfolioR420k
Current
R310k
30 days
R230k
60 days
R170k
90 days
R110k
120+
0%
ACCOUNTS WORKED
0 Worked10 Not worked
Cash Flow
R 28 450
12.8% this month
DSO
32 days
8 days faster
Productivity
84%
18 accounts actioned
Bad Debt
4.2%
2.1% lower
Tracing
92%
Verified contacts
Debtor queue
10 accountsDEBTOROUTSTANDINGRISK
Triage assessmentAssess. Decide. Act.
TM
Thabo Mokoena
R 4 850Outstanding balance
Risk level
Ground conditions
Barren ground. Better timing, not more pressure.
Reschedule to a lush day, between the 25th and 30th.
Debtors NotesNot worked · session only
AUDIT TRAILEvery decision, recorded
Triaged before chased · account assessed
People-first decisions. A clear audit trail.Fictional accounts · Demo workspace
Illustrative KPIs and fictional debtors. No real payments or collection messages.
ABOUT JAY
Floor originator, not a slide deck
Thirty years of collections floor, distilled into three gates you can run on a Monday morning.
FLOOR ORIGINATOR
Jay Naidoo
30+Years on the collections floor
Ex-AbsaCorporate collections background
KZNChatsworth KZN
-60%US escalations, cut
“60 retired? No. Rewired. Brain 100% active.”
Validated by
Grace T. MpitiGlobal Ops Director, BFSI — Concentrix
Ian JacobsohnFair Practice Compliance
Neermaladevi NaidooChartered Secretary, Governance
POPIA compliantNDA protectedNo client dataKZN law
ACROSS BORDERS. ON THE FLOOR.
Feedback is gold.
USA
“Having difficult conversations BEFORE situation gets out of hand...”
Nancy Seiverd
President · CMI USA
UK · 1st
“Thanks for informing me Jay and appreciate not being 'sold to'! Your triage approach makes good sense... so many don't and simply have a one size fits all single process. I will definitely keep you and what you offer in mind”
Malcolm Trotter
Board Advisor · Governance & Strategy Specialist to Professional Associations
Canterbury, England, UK
PRICING
Pick a lane. No lock-in.
Monthly. Your triage workspace, the three gates and the audit trail.
Starter
PMB Chamber Member
R7,500 / month
- For a 4-SME pilot
- All 3 gates, run with you
- Email support
Growth
Teams that chase daily
R9,500 / month
- Everything in Starter
- Callback widget on your site
- Case studies, quarterly
Platform
Full workspace
R12,500 / month
- Everything in Growth
- Client login + cloud-saved cases
- Paystack / Ozow checkout
Monthly billing · No lock-in · IP remains with the originator.